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National Rate Snapshot
National average scenarios · Jul 5, 2026 · Safe Rate Local Mortgage Rate Index
Loan typeBest forTypical termsEst. rate
30-Year Fixed
Most popularStandard home purchase
20% down740+ credit
6.487%
est. · 0 pts
15-Year Fixed
Pay off fasterLower total interest paid
20% down740+ credit
6.487%
est. · 0 pts
30-Year FHA
Low down paymentFirst-time buyers
3.5% down580+ credit
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30-Year VA
No down paymentVeterans & active military
0% down620+ credit
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30-Year Jumbo
High-value homesLoans above $766,550
20% down760+ credit
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Cash-Out Refi
Tap equityAccess your home equity
75% max LTV720+ credit
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Safe Rate Local Mortgage Rate Index · Based on national average inputs · Rate index estimates, not offers or commitments to lend · Methodology · Data license